WLS Excluded on Insurance

[Naner 3]

Has anyone's insurance stated that WLS is excluded and got approved for surgery? I need help. Thanks.

[jtickle 295]

Unfortunately, when an insurance company excludes coverage, they mean it. Nothing can be done. Maybe you could purchase a plan that covers WLS.

[pinkhiker 18]

Yes my health care plan doesn't cover weight loss surgery. I am self pay and schedule for surgery this week on the 30th. My hospital gives discounts for self pay and can set up med credit with a good chunk of money down which cover surgeon (and any asstnt surgeon) along with my hoapital stay. Md and nurse anesthesia costs are separate.

15500 for hoapital stay (flat rate doesnt decrease if you're there less than three days).

6800 in surgeons costs

1370 in md ordered anesthesia costs

1074 in nurse anesthetist costs

These anesthesia costs are based on being under for 2.5hours. If I'm under less I get reimbursed. Also the md ordered anesthesia allows for payment plans if you need and offers 20 percent discount if you pay in full

Requirements prior to my surgery are not included in these numbers (about 1500 total for those).

Every hoapital and anesthesia orders are different in costs and available payment plans. Its def. worth checking out. My payment with the required amount down is about $200 a month. Not bad

Other options that may help is getting a private loan to cover costs, if you have a 401 (k) you may be able to pull from it (hardship waiver).Costs are just like getting a new car.

Hope this helps!

[pinkhiker 18]

Also at least in MN most plans to purchase Individuallly dont cover bariatric surgery. Some group plans (through your work) do cover.

Also enrollment periods aren't happening again untik November for individual plans. Woek plans are a little different In your eligibility to sign up.